Relationship Officer Deposit

Mobilink Microfinance Bank Ltd. (MMBL) is seeking a Relationship Officer for Deposit Banking to manage and grow relationships with individual and corporate clients. This role focuses on acquiring new customers, retaining existing ones, and ensuring that clients’ deposit needs are met efficiently. The successful candidate will play a vital part in building a healthy deposit portfolio, supporting retail deposit growth, and contributing to the bank’s overall financial inclusion goals.

Key Responsibilities:
- Execute customer acquisition processes to build a strong liability portfolio and achieve cross-sell targets.
- Develop a portfolio of Current Account, Savings Account (CALSA), and Term Deposit (TD) customers within agreed timelines.
- Consistently meet portfolio targets across CALSA, Savings Account, and Term Deposit products on a weekly, monthly, quarterly, and annual basis.
- Recruit and onboard freelancers and brand ambassadors to form a deposit mobilization team of approximately 25 members focused on retail deposit marketing.
- Maintain the desired portfolio mix between CASA (Current Account and Savings Account) and Term Deposits to support balanced growth.
- Achieve fairly priced deposits to drive retail deposit growth through multiple accounts.
- Establish and nurture strong relationships with key potential clients to develop ongoing business partnerships.
- Ensure all objectives are met in compliance with bank policies, procedures, and strategies, maintaining coordination with internal branch units.
- Monitor daily deposit mobilization and New-To-Bank (NTB) account opening rates.
- Understand client challenges and collaborate with Relationship Managers or Branch Managers to address their needs effectively.
- Identify opportunities for cross-selling and upselling to existing clients.
- Keep track of competitor activities to proactively retain and satisfy MMBL clients.
- Deliver excellent customer service to uphold the bank’s positive reputation.
- Resolve customer complaints promptly and professionally.
- Complete any additional tasks or assignments as directed by the Line Manager efficiently and effectively.

Required Qualifications:
- Bachelor’s degree in Business Administration, Commerce, Accounting, Marketing, Economics, Finance, or a related field from a reputable institution.
- Strong understanding of deposit products and their operational aspects.
- Knowledge of CASA fundamentals and strategies to achieve CASA growth.
- Minimum of one year of relevant experience in sales, management, or operations within retail/consumer banking or a related industry.

Preferred Qualifications and Benefits:
- Experience in retail banking or microfinance sectors is advantageous.
- Opportunity to work in a dynamic environment that combines traditional microfinance with innovative digital banking technologies.
- Join a leading financial institution serving over 48 million registered users with a strong commitment to financial inclusion.
- Be part of a collaborative and customer-centric workplace that values innovation, entrepreneurship, and teamwork.
- Contribute to transformative change by empowering millions with digital financial tools and services.

This position is based at the Sahiwal Branch and offers a unique chance to grow professionally while making a meaningful impact in the financial sector. MMBL is dedicated to fostering a positive and productive work environment where employees can thrive and contribute to the bank’s mission of promoting financial inclusion across Pakistan.